BMO SPC®** CashBack® MasterCard®* | Shop Canada's Best Credit Cards | Compare Credit Cards | shoptherate.ca

BMO SPC®** CashBack® MasterCard®*

Card Details

Network: Mastercard
Provider: BMO Bank of Montreal
Type: Cashback, Student
Credit Required: No Credit

Offers & Rewards

1% cash back on all card purchases*
4% Cash back in the first 4 months*

Fees & Rates

Purchases: 19.99%
Cash Advances: 22.99%
Balance Transfers: 22.99%
Annual Fee: $0.00

  • Welcome offer: Get 4% cash back in your first 4 months*
  • Then get 1% CashBack on ALL card purchases*
  • No Annual fee*
  • Extended Warranty* 
  • Purchase Protection* 
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*

*Terms and conditions apply


Editor's Review

Along with BMO's AIR MILES® version of this MasterCard, the BMO® SPC CashBack® MasterCard® is one of the top student credit cards around. Students need money, and this card gets you as much of it as possible from the jump. As you get familiar with your new card, you'll get four percent cash back in your first four months of usage, which means you can recoup up to $125 in cash if you're the high-end type of spender. You'll even get one percent cash back on all purchases you make. If you rack up $500 a month on purchases, you can get $60 cash back.

Don't worry about annual fees either because there aren’t any. You'll have an extended warranty and purchase protection, so you're covered if there's any damage or unauthorized usage. Most of all, by using your card, you can go to some of your favourite retailers or fast food spots and get a 10-15% discount. Plus, you can access exclusive deals on concerts, movie premieres, and more via BMO Extra Deals. Make your school years count and treat yourself to the things you want using a card that ensures you'll still save some money.


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